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EPAYSUITE INTEGRATED MODULAR CORE PLATFORM SOLUTION FOR:

AUTHORISED PAYMENT INSTITUTIONS ELECTRONIC MONEY INSTITUTIONS REMITTANCE AND MONEY TRANSFERS COMPANIES

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FUNCTIONALITY Client onboarding, payment accounts opening

Payment accounts replenishment, wire transfers from payment accounts

Remittance (payments without opening of payment accounts)

Payment cards issuance and maintenance

Acquring support

SWIFT/SEPA payments support

AML/KYC support

All range of operations with crypto currencies

PLAT

FORM

A

RCH

ITEC

TURE

Black lists

Crypto Providers

Agents MerchantsPOS-terminals

Rates

Card providers

SMS providers

E-Commerce

SWIFT

ForExproviders

Banks & PSP

Accounts Tariffs Reporting

Money tranfer systems

Payment gates & systems

Gates to external systems

Database interface

SOAP

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Workflow

CORE

Workflow engine

Types of documents(Meta-data)

Scenarios(Business processes)

Clients Balances Limits

AMLRates Posting

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TECHNOLOGY STACK

Core: MS SQL, Transact SQL + CLR

MS Report, Fast Report

Web: PHP/Yii framework

HTTPS/FISP/NIST

NodeJS

Cryptography in HSM Thales E-security

Android: Java8, Android DATA binding, Agera, Gradle

iOS: Objective C, ReactiveCocoa

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INTEGRATIONS Banks (SEPA, Target2): Pasta Bank, Handelsbank, Rietumu, ING Bank Śląski, Lietuvos bankas SWIFT Alliance Lite 2 Payments card providers (VISA/MasterCard): DectaAcquiring: Decta, Connectum, card2account, WinPay SMS-providers: Websms, Clickatell, CardBoardFish, Nexmo, CLX, mfm solutionsRemittance networks: UnistreamFX platforms: Forex.com, Yahoo.financeLive currency rate updates: Bank of England, ECB, Russian Central Bank, Česká národní banka Live cryptocurrency rates updates: Bitfinix, Bitstamp Operations with: Bitcoin-D KYC, AML: Veriff, LexisNexisSecurity: Thales e-security

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COMPLIANCE WITH CANOPUS EpaySuite is in full compliance with RTS (Regulatory Technical Standards) of the new pan European PSD 2 (Payment Service Directive):

PSD 2

SCA (Strong Customer Authentication): using at least two factor secure authentication of the clients (OWASP, HTTPS, multi factor security)

Real time fraud detection and prevention: we implemented real time transaction monitoring and risk scoring

Secure processing and storage of sensitive payment data: sensitive data encryption with FIPS, NIST

Compliant with secure transactional data exchange and maintenance standard ISO20022

Open API for secure transaction data exchange with external service providers

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ADVANTAGES OF EPAYSUITE Open architecture. Quick and seamless integration with external payment systems and providers

Powerful system of business processes design, tariffs and notifications

Multi-currency payment accounts

Powerful report design and generation system

Compliance with all significant financial and banking (ISO 8583, ISO 20022, RTS/PSD 2, IFRS etc.)

Numerous ready for use integrations and gateways

Quick system deployment

Built in AML and KYC modules, agile transaction monitoring and risk scoring tools

Modern and user friendly interface

Cryptocurrency transactions support

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SECURITY CANOPUS EpaySuite complies with

the highest IT systems security

requirements, including PSD2 RTS и

ISO27000. We use the most

advanced public and private keys

and token applications from

Thales E-security, hardware and

software token generators using

FIPS/NIST encryption protocols

101011

How does it work?

THALES nShield Edge, smart-card with the security keys Computer SmartPhone/Tabet POS

terminal

Key management system on the basis of THALES HSM nShield module

MS SQL data encryption

Systemdatabase

Security system remote management mechanism using

THALES nShield Edge and smart-card with the security key

Safe access of the client's mobile and web-applications through the secure channel

Transactions authentication system using safe SIGN technology

ADMIN INTERFACEMeta documents design and setting

Business processes design and setting

Design of standard and unique user profiles,

access rights and access restrictions

Tariff and currency rates tables design, ability

to set individual tariffs

Reports design

Design and adjustment of KYC

and AML rules, triggers and reports

Design of accounts chart and financial accounting

reports under IFRS or local requirements

Transaction limits and restrictions adjustment

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OPERATOR INTERFACE Clients onboarding

Control over all (incoming/outgoing/

internal) payments

Client`s orders and applications

processing

Report generatings

KYC and AML triggers

and notifications

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Secure portal access

Secure internal mail

Account balances and transactions History

Account statement

Currency Exchange

Payment orders

Payment order authorization

Payment cards

Payment templates

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CLIENT`S WEB PORTAL

CLIENT`S MOBILE APP iOS/Android application branded for your client`s use, providing the same functionality as the web portal:

Payments

Currency Exchange

Account balances/history

Secure internal mail, etc

Payment Templates

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OTP/MAC TOKEN GENERATOR MOBILE APP iOS/Android mobile app for one time passwords generation, the highest level of strong customer authentication compliant with PSD 2 security requirements (RTS)

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Clients onboarding

Individually adjustable KYC rules and procedures

Sanctions list monitoring (FATF, EU, HMRC, OFAC, etc)

Risk assessment

Risk based AML controls External systems integrations

Suspicious transaction reporting

Authentication of client photo ID documents copies

Risk scoring of each transaction, adjustable triggers

AML COMPLIANCE MODULE

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REMITTANCE MODULE

Web portal for external agents

API for external systems integrations

Receipt/payout of remitted amounts

Gateways with external systems

Unistream

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Proprietary Wallet-manager integrated with BTC/ETH blockchain

Powerful and advanced security system based on Thales E-security HSM

Web portal and mobile applications for clients

Integrations with different cryptocurrency exchanges for real time quotes

All aspects of crypto- and fiat currency management within one core platform

CRYPTOCURRENCIES MODULE

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AMONG OUR CLIENTS

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CONTACTS

Canopus Innovative Technologies LLC3, Likhov pereulok, Bld 2, Floor 3Moscow, Russia, 127051+7 (495) 984-96-82+7 (495) 956-34-68info@epaysuite.com

Authorized reseller Advapay7B, Narva maantee,Tallinn, Estonia, 10117+372 635 51 08info@advapay.eu

canopuslab.com

advapay.eu